Disability insurance: can underwriting criteria for the self-employed be based on predictors used for disability amongst employees?

摘要: OBJECTIVE: This study aims to trace risk factors for disability amongst the self-employed. Knowledge about these can contribute more evidence-based underwriting criteria insurance. BACKGROUND: The trend towards privatization of social services in certain insurance markets creates a need consider appropriateness applications individual private METHODS: authors performed literature and undertook consultation experts. RESULTS: More than 350 articles were traced. Only one article precisely matches field research: Risk medical characteristics long-term are not identical between employed self-employed populations. Relevant gender, age, occupational class, socioeconomic status, consumption, lifestyle, coping behavior, previous sick leave, replacement ratio policy terms. CONCLUSIONS: scarce amount research on forces insurers rely limited statistical data available pragmatic interpretation this data. Underwriting partially be based predictors employees. Whether employees exposed different or basically populations needs further research. holistic approach International Classification Functioning, Disability Health model as framework developing assessment model, with strong focus personal environmental factors, will bring current at stage line claim